Search found 769 matches

by bayview
Sat May 28, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 40
Views: 2921

Re: Traveling through Albuquerque - safe to stop?

Wonder how much of that crime involves the victim knowing the assailant (domestic violence, drunken quarrels, drug deals gone wrong, etc.) They need a sub-category for "crimes against out-of-state tourists who pulled over to look at stars." :D I hope you enjoy your trip, including your sta...
by bayview
Wed May 25, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Score - Can You Explain This
Replies: 24
Views: 2525

Re: FICO Score - Can You Explain This

Aren't true "FICO" scores proprietary and only available from FICO for a fee? FICO has entered into free score arrangements with several credit card issuers, as well as other financial institutions. I've gotten a free Experian II score (the Experian version used for mortgage pulls) from P...
by bayview
Tue May 24, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 1965

Re: be my mother in law's financial advisor...or not?

She came to me 8 years ago, a few years after her husband passed away. She wanted to know which direction to go with her investments... I talked with my spouse many times about this. We decided to recommend a financial advisor, actually a friend of ours... Did she come back to you again for further...
by bayview
Mon May 23, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 8
Views: 774

Re: Advice on new mortgage

Congrats on the new spouse! :sharebeer
by bayview
Mon May 23, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Score - Can You Explain This
Replies: 24
Views: 2525

Re: FICO Score - Can You Explain This

I have two credit cards that offer free FICO scores, one is an American Express & one is a MasterCard. The FICO score is 27 points different. Since I look at them right after each other, should they be the same? Sources of variation: (1) Scores were pulled at different times, and balances diffe...
by bayview
Mon May 23, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2350

Re: Still double checking bank checkbook math?

I reconcile my checkbook, generally once a week, but always on payday (every other week.) Meaning that I find where I added instead of subtracting, and vice versa, and the pesky ATM withdrawals that I forgot to note. Sometimes there's supposed to be a credit back to my account, and I keep an eye on ...
by bayview
Fri May 13, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5074

Re: The 10 Best States to Grow Old in

protagonist wrote:Lists of "The X best whatevers" are, IMHO, the pinnacle of sloppy journalism...

Per my son, these are called "listicles." He used to get a halfway decent check writing them, but his were humor. (Not safe for grandmother humor.) :D
by bayview
Tue May 10, 2016 5:41 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8168

Re: Buying a house for an adult child (child adult?)

Yes, my wife is pushing this vehemently. The down payment is being extracted from their employee 401K plans. Their credit got whacked when one of them lost their job for a while and bills were not paid for a time. I think their scores are now in the low to mid 500 range. They've been told they do n...
by bayview
Mon May 09, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8168

Re: Buying a house for an adult child (child adult?)

Unless they have something truly awful on their credit reports (a judgment, for instance), they should be able to clean up their credit scores within two years to qualify for a mortgage. They already have the 20% downpayment saved. I have found that it is incredibly important for people to fix their...
by bayview
Sat May 07, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here work as a pharmacist at a federal prison
Replies: 27
Views: 6565

Re: Anyone here work as a pharmacist at a federal prison

If you apply for a federal position, toss out everything you've heard about keeping your resume short. We like (well, we're resigned to) 5+ page resumes. Anything that you claim in your KSA's must be thoroughly (=tediously) backed up in the descriptions. Your application will be reviewed by HR speci...
by bayview
Fri May 06, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to spend a windfall/inheritance. Help please.
Replies: 10
Views: 1426

Re: How to spend a windfall/inheritance. Help please.

I have no specific advice, but just in case you aren't aware of these resources:

https://www.bogleheads.org/wiki/Managing_a_windfall

http://whitecoatinvestor.com/my-experie ... -windfall/ (author Jim Dahle MD has been a frequent poster here)
by bayview
Fri May 06, 2016 5:58 am
Forum: Investing - Theory, News & General
Topic: Any experience with investing in litigation finance?
Replies: 12
Views: 1173

Re: Any experience with investing in litigation finance?

With respect to the OP, this is a good example of why I don't invest in hedge funds. :D
by bayview
Thu May 05, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6461

Re: How many funds in your portfolio?

5 in Vanguard:
Total Stock Market (US)
US small value
International small
Intermediate Treasuries
Long Treasuries

3 in TSP:
G
C
S

G and Intermediate Treasuries are kinda the same if you squint just right
C+S together are total US stock market

So 8 in name, 5-6 in type.
by bayview
Thu May 05, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 8005

Re: Your age in bonds minus ten? Not according to Vanguard

For many of us, looking at different models for AA isn't enlightening. I'm planning on retiring in not quite five years (fingers crossed), and we're adjusting our budget and lifestyle so that we can make it on SS alone for the bare minimums. Any investments --and there's not much compared to what ap...
by bayview
Thu May 05, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: What's a typical pension funding % ?
Replies: 30
Views: 3611

Re: What's a typical pension funding % ?

... For the OP, here's an example of a public sector pension fund AA: http://i68.tinypic.com/28p56v.jpg So 48% in traditional stock funds, 18.75% of that in EM; 22% in bond funds, 18.2% of that in EM bonds and 22.75% of that in junk bonds... :shock: Oh my... Maybe for a youngish person's own invest...
by bayview
Mon Apr 11, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Commit to Lifelong Renting in Bay area?
Replies: 22
Views: 3381

Re: Commit to Lifelong Renting in Bay area?

Rent and enjoy the good life while you can. We rented, and when my husband "got retired" (the fate of many tech/financial workers who are ill-bred enough to live into their sixties), we could no longer afford to live on just my salary. We moved East, love it although sometimes miss the Bay...
by bayview
Mon Apr 11, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Are any OTC drugs and vitamins U.S.P.-labelled any more?
Replies: 34
Views: 1336

Re: The vanishing of USP drugs?

see: http://qualitymatters.usp.org/what-letters-usp-mean-label-your-medicine here is a snippet: "...today, drugs sold in the United States are required to meet USP standards regardless of whether they include the letters “USP” on the label. As a result, some manufacturers have dropped the prac...
by bayview
Wed Apr 06, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Any states that tax Roth withdrawals?
Replies: 49
Views: 3731

Re: Any states that tax Roth withdrawals?

OP, one way to find out for sure is to go to the tax site for any state that you're interested in, download the state tax forms, and work through a mock tax filing. I had to do this for North Carolina, which has the most useless public information site in terms of how their taxes work. :annoyed Well...
by bayview
Wed Apr 06, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: How does online banking work? Fraud on credit card
Replies: 20
Views: 1581

Re: How does online banking work?

I usually make my payments by the "pull" method (logging into the credit card, etc site, entering my banking info, and entering the date for the transfer.) DH prefers to "push" from the bank account. We've never had security issues with either method, but I personally don't like ...
by bayview
Wed Apr 06, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Trying to get a copy of a $20 receipt
Replies: 16
Views: 2080

Re: Trying to get a copy of a $20 receipt

The examples that are in the citation are dealing with interactions with the actual providers, providers being the physicians, pharmacists, and other individuals who are actually providing healthcare. With the permission of the patient, they allow the patient's family to be involved in health care d...
by bayview
Sun Apr 03, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Been here for 6 months, changes made, Please Review
Replies: 9
Views: 1519

Re: Been here for 6 months, changes made, Please Review

Take a lot at the TSP account. There should be a 5% match --1% automatic match + 4% agency match.
by bayview
Sun Apr 03, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 131463

Re: What are you up YTD? [Year To Date]

I thought that by providing an easy-to-use spreadsheet, people would start learning about the proper way to measure and report returns. I have obviously failed. I'm done participating to this thread. I don't want to encourage people to continue to reporting incoherent returns, only when they are po...
by bayview
Sat Apr 02, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 131463

Re: What are you up YTD? [Year To Date]

Yes, YTD return is "mostly useless" and doesn't predict future returns. But the point of the thread has been to illustrate the relation of asset allocation and return. That is useful in my opinion.For example, right now bond heavy portfolios are doing better than stock heavy portfolios. P...
by bayview
Fri Apr 01, 2016 5:52 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 131463

Re: What are you up YTD? [Year To Date]

through February: Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 2/29/16 1 month 0.47% 3 months -2.51% 6 months -0.86% YTD -1.59% 1 year -3.11% 3 years* 5.20% 5 years* 10 years* Nice to see a month in the black, however small. Portfolio is just about back...
by bayview
Mon Mar 28, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Portfolio after Getting a Large Windfall
Replies: 20
Views: 1858

Re: Help: Portfolio after Getting a Large Windfall

Hi Bogleheads! I got a huge windfall around $1M in cash and had been planning on investing all of it. I have very little experience on investment so really in need of some advices here. Thanks very much and appreciate your inputs! ... Have you read the Bogleheads Wiki on windfalls? You're asking go...
by bayview
Mon Mar 28, 2016 5:41 am
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 6552

Re: sellers want us to waive financing contingency

Sweet! And I'm so happy that they wanted to keep their property residential rather than cramming a dozen units on it. :sharebeer
by bayview
Sun Mar 27, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3375

Re: Unwanted cold call from Mass Mutual agent

I work as a public school teacher in Florida and received a cold call from a Mass Mutual agent recently. Wanted to "help" with Retirement choices and inform me about our state pension. I never asked for this call and don't want it either. When I asked where he got my personal cellphone nu...
by bayview
Sun Mar 27, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3803

Re: Your fav airline - as far as flying experience?

Southwest. We drive over an hour to get to a Southwest airport.
by bayview
Sun Mar 27, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 12242

Re: Anyone travel without hacking?

deleted
by bayview
Sat Mar 26, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay more for USAA?
Replies: 23
Views: 2477

Re: Would you pay more for USAA?

...Why would you say YES for USAA for checking? Perhaps it's the no fee, no minimum protocol? And if you're direct depositing your paycheck, USAA gives you access to your money 6 hours after the "24 hour notice of deposit". I get paid on Friday's...I can spend the money as of 0600 hrs Thu...
by bayview
Sat Mar 26, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 2629

Re: Opening multiple credit cards for bonuses?

Don't forget that credit scores can vary wildly depending on where you're getting them. Both the scoring methods can differ, and the score range. So a 760 from one source might be completely different from your FICO mortgage scores, for instance. I have a lot of new hard inquiries, especially on Exp...
by bayview
Sat Mar 26, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 6552

Re: sellers want us to waive financing contingency

In the meantime, it might be worth your while to get your recent pre-qual changed to a pre-approval. Yes, it's another credit pull, but for FICO score purposes, these are de-duplicated when they fall within a certain time frame (varies by bureau.) Investopedia discussion of the difference between pr...
by bayview
Wed Mar 23, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3260

Re: How to get rid of poison ivy

Frankly, if you're seriously allergic to poison ivy, I would plan on throwing away any of the smaller gear that you wear when tackling it. My mother (the allergic one) has had poison ivy attacks lasting two weeks or more from pulling on gloves that she had last worn six months before. The oil/resin ...
by bayview
Tue Mar 22, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3260

Re: How to get rid of poison ivy

Glyphosate (Roundup) will work in high enough concentration. So will triclopyr, but the glyphosate is easier to find usually. I wouldn't burn that plant, whether sprayed or not. There have been cases of inhalational poison ivy reaction from burning the brush. Personally, in my lungs is about the la...
by bayview
Tue Mar 22, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 74
Views: 8456

Re: Babysitter not providing SSN

OP here; thought I'd provide an update to all you BHs who provided great guidance. 1. I did have a chat with the babysitter about providing SSN; she finally provided it. 2. She wanted a 20% premium to her rate due to additional "tax burden" she would have to bear (makes me think she wasn'...
by bayview
Sun Mar 20, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3175

Re: Dishwasher recommendation.

You will see a lot of recommendations here for Bosch, some for Miele and scattered recommendations for other brands as well. We have a Bosch that we are pretty pleased with overall; I have heard mixed reviews on their Ascenta line, which is the entry level / least expensive they sell. We bought a 5...
by bayview
Sat Mar 19, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3611

Re: Fidelity customer service experience

[...One nit i have with fido's 401k statements is that they only list beginning balance, total contributions, total withdrawals, market gain/loss, and ending balance. No transactions at all. If i want transactions, i need to visit their site, tediously click each transaction (to expand the details)...
by bayview
Sat Mar 19, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9194

Re: Millionaire Next Door and Budgeting

We have something that we call a budget, but I suppose when I think about it, it's really more of a record of spending by categories. As we approach retirement, we wanted to get a really accurate, cold-eyed view of our spending, including (especially including) more frivolous stuff. That way we can ...
by bayview
Fri Mar 18, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 826
Views: 131463

Re: What are you up YTD? [Year To Date]

I'm not going to run the numbers until the end of the month, because it seems to upset the spreadsheet, but I'm crossing my fingers that the recent performance holds until then. Yes, I know that markets go up and down, and yes, we're in it for the long run, and so, yes, it doesn't really matter, but...
by bayview
Fri Mar 18, 2016 4:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 623578

Re: U.S. stocks in freefall

@bayview, I plead guilty to sometimes doing what you mildly ranted about. Maybe that's what keeps some lurking, and I apologize. Fwiw, if you go back 35 years, I was suffering the effects of marital and other misadventures, and my net worth was zero. In the meantime, I was lucky, but shame on me if...
by bayview
Thu Mar 17, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 623578

Re: U.S. stocks in freefall

bayview and VictoriaF, You have decades worth of living expenses in safe places such as cash. I agree that the stock market behavior is less of a concern for people like you. I'm pretty much in the same boat because I keep only 20% of my invested assets in the stock market, and I often wonder why I...
by bayview
Thu Mar 17, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did I take appropriate steps to ensure proper insurance coverage for medical procedure
Replies: 42
Views: 3303

Re: Did I take appropriate steps to ensure proper insurance coversge for medical procedure

Good Luck! Because of family history, I have had 7 or 8 Colonoscopies over the years. Good news is that no Cancer (although a few polyps removed from time to time, but not every time). One key (I think) is to identify and document any "risk factors" justifying the Colonoscopy. Three or fo...
by bayview
Tue Mar 15, 2016 5:36 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 175
Views: 32286

Re: [Why did my fund suddenly drop in value?]

Even though I was expecting this, I still jumped. :D It was interesting to see how slowly the dividends posted in the evening, although the final total balances for each fund were displaying at 6:00.

Note to self: don't plan on living off of dividend income, that's for sure.
by bayview
Mon Mar 14, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Any suggestions for cooling solution for Florida garage?
Replies: 21
Views: 1632

Re: Any suggestions for cooling solution for Florida garage?

Gill wrote:Also, be aware that many Florida communities prohibit air conditioning garages and window air conditioners anywhere.
Gill

OK, I can't resist, why would anyone care if someone ran AC in their garage?? I can generally guess at the reasoning on HOA restrictions, but this one has me stumped.
by bayview
Mon Mar 14, 2016 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Is it too early to buy our "empty nest" home?
Replies: 11
Views: 1645

Re: Is it too early to buy our "empty nest" home?

One option for interesting happens to be only a 15min drive from our current home. It's in an historic district that is rapidly growing, gentrifying, and being restored. We've found a great house that is a little quirky (floorplan) for many folks, but it would suit the two of us extremely well. It ...
by bayview
Sun Mar 13, 2016 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 6811

Re: How to convince high NW father to dump his financial advisor?

My mother gets very twitchy when I try to discuss anything financial with her, including knowing how to handle her stuff if she's temporarily incapacitated. Even though I'm the only heir, I think she thinks I'm up to something. This feeling is not uncommon in older parents who haven't had a long his...
by bayview
Sun Mar 13, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needs a start.... Hope it's not too late....
Replies: 14
Views: 1262

Re: Newbie needs a start.... Hope it's not too late....

...Also, if you are not familiar with the great blog by emergdoc who runs the white coat investor blog, be sure to check it out. http://whitecoatinvestor.com/... ^^^ This. Also, his book is worth buying and reading continually: http://www.amazon.com/White-Coat-Investor-Personal-Investing/dp/0991433...
by bayview
Sat Mar 12, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 40
Views: 5696

Re: 5M Windfall, all in VTMFX?

I agree with the "park it somewhere safe for now" route, while exploring options.

One route to explore is with some of the advisors who post here: Rick Ferri, Larry Swedroe, I'm blanking out on one or two others. It's useful to have a financial planner who is aligned with BH principles.
by bayview
Sat Mar 12, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Peek
Replies: 33
Views: 4058

Re: Don't Peek

Since peeking hasn't prompted me to change my AA (that decision resulted from adopting Bill Bernstein's liability-matching/ risk portfolios approach), I feel that it has been educational overall. DH is the Nervous Nellie in the family, so he never looks; in fact, he simply doesn't want to know, per...

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